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If your RV is totaled or stolen (and not recovered) in its first five model years it will be replaced with a comparable new RV, even if you're not the original owner. After the first five model years, you will receive your full original purchase price - not a depreciated amount - toward the purchase of the replacement RV. Replacement Cost Coverage must be purchased during the RV's model year or within the following four years.

RVs with an original cost new of $500,000 or more will be insured only if all autos in household are also insured with NGIC Ins. Underwriting approval required.